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Abstract

Electronic payment systems employing tokens allow a user to create a virtual card that can be stored securely on a smartphone or in the cloud. The user can use these stored cards to complete payment transactions for items either in applications or via the Internet, for example, via a web browser. To ensure such payments are secure, these systems encrypt the card details in what is known as a “token.” This token contains the card information, as well additional information to authorize/verify the transaction. Successful implementation of tokenized electronic payment in a production environment requires testing of new functionality in the production environment – which must include what looks like a proper token to the production environment. Letting every developer write his own production environment test token generation app introduces interoperability and security risk to the production environment. The technology described herein creates and manages tokens for use in production environment testing.